I have the same situation going on.. apparently we didnt think about creating a summer budget and so when the bug came we over spent.. next year we are planning for a summer budget.
It happens to us all and sometimes takes several bouts to get it right. Personally, I have not given myself access to a credit card in 2-1/2 years. We have been slowly digging ourselves out of hole we put ourselves in.
This site will give you some insight to budgets and how to save money. Hang in there, ask questions and read, read, read.